How much house can you afford in Aurora? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
First Centennial Mortgage
4.8 · 167 reviews · Free pre-approval
Get pre-approved →
The Hill Mortgage Company
5.0 · 96 reviews · Free pre-approval
Get pre-approved →
VC MORTGAGE LLC
5.0 · 95 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
First Centennial Mortgage is known for its straightforward approach and supportive team, especially valued by first-time homebuyers navigating the mortgage process. They offer a variety of loan options and maintain clear communication throughout, helping clients feel informed and encouraged. Some find the process challenging, but the team’s guidance often makes it more manageable.
The Hill Mortgage Company is known for clear communication and honoring upfront commitments like zero closing costs. The team assists with refinancing and mortgage loans, staying in close contact throughout the process. Customers appreciate their knowledge and availability, though some note occasional last-minute changes.
VC Mortgage LLC focuses on fast mortgage approvals and clear communication to help clients move smoothly from pre-approval to closing. They offer a variety of loan programs, including Conventional, First-Time Home Buyer, Buydown Loans, HELOC, and Refinance options. Customers appreciate the team’s responsiveness and thorough guidance throughout the process.
Guild Mortgage offers a wide range of loan options, including FHA, VA, and USDA programs, aimed at making homeownership accessible for first-time buyers and those refinancing. The team provides clear, supportive guidance throughout the process, helping clients feel informed and confident, though some may find the pace slower than expected.
Guild Mortgage offers a wide range of mortgage options, including VA, FHA, Jumbo, USDA, and renovation loans, backed by over 60 years of experience. The team focuses on understanding each client’s unique needs to provide clear guidance throughout the home financing process. Customers appreciate their responsiveness and the straightforward, supportive approach.
With over 35 years of experience and a Certified Veteran Lending Specialist credential, this team offers expertise in a wide range of mortgage options including Jumbo, VA, FHA, and renovation loans. Clients appreciate their clear communication and thorough guidance throughout the home buying process, though some note the fast pace can feel intense.
Specializing in guiding first-time homebuyers through the mortgage process, this team offers clear communication and thorough explanations at every step. They handle loan approvals and financing with patience and responsiveness, making what can be a stressful experience feel manageable. Customers appreciate their professionalism and supportive approach throughout the home purchase journey.
Known for clear communication and a smooth mortgage process, this team helps clients navigate home financing with ease. They offer personalized loan options and keep borrowers informed at every step. Customers appreciate their punctuality and friendly approach, though some may find the process takes careful attention to detail.
With over 30 years of experience, this mortgage team focuses on educating clients to make the home financing process clear and manageable. They offer a wide range of loan programs, including Conventional, FHA, VA, USDA, Down Payment Assistance, and Renovation loans. Customers appreciate their responsive communication and thorough guidance, especially first-time buyers.
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Lenders made 5,997 home-purchase loans in Kane County in 2025 (average about $335,000) and denied 547 — 8% of decided applications, compared with 12% across Illinois, according to federal mortgage data (HMDA, CFPB). In Aurora, the median home is worth $274,800 and 69% of owners have a mortgage, paying a median $1,995 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Kane County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | First Centennial Mortgage | 4.8 | 167 | — | (877) 463-2610 | Visit |
| 2 | The Hill Mortgage Company | 5.0 | 96 | — | (630) 618-4235 | Visit |
| 3 | VC MORTGAGE LLC | 5.0 | 95 | — | (331) 707-5709 | Visit |
| 4 | Guild Mortgage - Linda Callaghan | 4.9 | 49 | — | (630) 854-9037 | Visit |
| 5 | Guild Mortgage - Rick Litton | 5.0 | 35 | — | (630) 319-4762 | Visit |
| 6 | Cassandra Bajak-Sr.Mortgage LO Guild Mortgage | 4.9 | 33 | — | (847) 877-5588 | Visit |
| 7 | Jennifer Castillo | 5.0 | 16 | — | (630) 347-0121 | — |
| 8 | Michael Giacomino | Mortgage Loan Officer | 5.0 | 15 | — | (630) 746-7478 | — |
| 9 | Cindy Allen | Mortgage Loan Officer | Aurora, IL | 5.0 | 5 | Quoted per loan | (630) 395-7515 | Visit |
| 10 | John Price | Mortgage Loan Officer | Aurora, IL | 5.0 | 1 | — | (630) 297-7924 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.